Cheap Insurance Quotes for a Nissan Altima in Tennessee

Your ability to find the best cheap coverage for a Nissan Altima in Tennessee is dependent upon a lot of rating factors such as if you rent or own your home, whether or not you are currently insured, and the deductible amount you use. Tennessee drivers will pay around $930 every 12 months to insure a Nissan Altima, but that figure is a ballpark figure based on rate data for a 30-year-old married female driver who purchased comprehensive and collision coverage and $250 deductibles.

There is a good possibility you are not 30 and maybe not even a female, maybe you are single instead of married, or maybe you have a teenager that needs to be on your policy. Just a very minor change in policy rating factors can lead to a significant difference in rates.

There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding cheap car insurance rates for your Nissan is to compare as many rates as possible.

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Your Nissan’s trim level will influence the insurance rate, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $212 less than the price to insure the high end Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can lower or raise price quotes substantially.

Buying coverage from the highest-rated insurance provider is hard considering how many different companies there are to choose from in Tennessee. The company ratings listed below could help you choose which coverage providers to look at purchasing coverage from. The ratings below only include large nationwide companies, so companies that have a smaller presence are not factored into the list.

Top 10 Large Car Insurance Companies Overall in Tennessee

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Nissan Altima Insurance in Tennessee

Impact of citations and accidents on insurance rates

The common sense way to get cheap insurance premiums for an Altima is to be a careful driver and avoid traffic citations and accidents. The information below illustrates how violations and at-fault accidents influence auto insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2167,2411,3113],[‘Age 30’, 1517,1767,2469],[‘Age 40’, 1499,1747,2449],[‘Age 50’, 1315,1565,2265],[‘Age 60’, 1253,1501,2201],[‘Age 70’, 1349,1593,2297]]);var options = {title: ‘Effect of Tickets and Accidents on Tennessee Nissan Altima Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Tennessee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy in Tennessee per year with no accidents or violations is $1,517. Get written up for one speeding ticket and the average cost rises to $1,764, an increase of $247 each year. Then include one accident along with the one speeding ticket and the 12-month cost of insurance for a Nissan Altima goes up to an average of $2,466. That’s an increase of $949, or $79 per month, just for not being more responsible behind the wheel!

The example below demonstrates how choosing different deductibles can raise or lower insurance costs when researching cheap insurance for a Nissan Altima. The rates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2321,2115,1885,1663],[‘Age 30’, 1627,1477,1307,1145],[‘Age 40’, 1609,1463,1299,1143],[‘Age 50’, 1409,1283,1143,1007],[‘Age 60’, 1343,1223,1089,957],[‘Age 70’, 1453,1323,1179,1047]]);var options = {title: ‘Effect of Deductibles on Nissan Altima Insurance Rates in Tennessee’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could cut expenses by $266 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $402 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could reduce their rates $658 or more by using a higher deductible. When increasing deductibles, it will be important to have spare funds to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Find cheap insurance for a Nissan Altima in Tennessee

Below you’ll find a few money-saving suggestions that can help Tennessee drivers get low-cost coverage.

• Having at-fault accidents will increase rates
• Save money by insuring older vehicles for liability only
• Buy your homeowners policy from the same company as your auto insurance
• Clean up your credit rating
• Buy a car with high safety ratings
• Keep rates low by shopping around frequently

That final tip is extremely necessary, as was pointed out in this write-up. Coverage prices can change considerably in a year, so don’t be unwilling to switch to a new company if you find a cheaper price. Having a favorite company is fine, but is isn’t recommended if that inflexibility results in costing you a wad of cash every year. If you have a few minutes, compare prices to find cheaper car insurance for a Nissan Altima.